BlastPoint's Credit Union Scorecard
MILESTONES
Charter #5144 · ME
MILESTONES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
- + AMR Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 2.83% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,807
+1.1% YoY+0.3% QoQ
|
-808 |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$35.3M
+14.3% YoY-1.5% QoQ
|
+$5.2M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$23.3M
+6.9% YoY+3.0% QoQ
|
+$7.5M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$31.4M
+15.8% YoY-1.7% QoQ
|
+$5.7M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.5%
-41.9% YoY-24.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.7%
-4.5% YoY+1.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
85.4%
+5.9% YoY+5.1% QoQ
|
+2.8% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.5%
+395.8% YoY-31.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
74.1%
-7.7% YoY+4.8% QoQ
|
+13.5% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$30,265
+10.6% YoY-0.1% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 4.1% in tier |
| CD Concentration |
31.8%
-0.2% YoY+1.1% QoQ
|
+7.4% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % |
0.4%
+85.6% QoQ
|
-13.4% | 13.8% | 15.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)